Choose Your Own Authorization Optimization Adventure

We use Data Science and AI to analyze issuer and consumer trends, pinpointing decline reasons for over 90 billion transactions a year. Then, our machine learning Rules Engine proactively anticipates declines before they happen and repairs in real-time. This means we can provide higher approval rates than anyone else in the galaxy.

Will you let inertia take you or will you maximize your approval rates and recoup on declines?
On this adventure, you get to choose.

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Recurring Payment Station

Your mission? Get to Planet Rev-Nue and save your customers from THE CHURN. Follow the path and let us lead the way.

Customer saves their payment information

Transaction is sent to bank

Bank receives authorization request

Red Alert!

Customer's card was declined

Reasons for Decline

Expired card
New card
Lack of funds

Pick your Path:

Status Quo This Way

Authorization Optimization This Way

Black Hole Vacuum

Uh oh. Your customer has been alerted that their card has been declined. Roll the dice to see if they will update their payment information or if they will be lost to THE CHURN.

Game Over

Your customer is stranded on Debt Collection Planet thanks to Active Churn. Even if they find their way back, they probably won't be happy.

Active Churn

Some solution providers offer a "debt collection" model. They contact the cardholder and demand information on updated credentials. In exchange for really ticking off your customers, they take up to 50% of the transaction revenue just to recover the sale. Great Scott, that’s your money!

Game Over

Your customer ignored the warning and you've lost them into the abyss, thanks to Passive Churn.

Passive Churn

When cards decline, consumers are reminded that they are still subscribed to a service. If they no longer want that service, they may just simply not update their information.

Start Over

Thank your lucky stars that your customer updated their info, continuing payment. Will that happen again on the next rotation?

Game Over

Your customer is stranded on Debt Collection Planet thanks to Active Churn. Even if they find their way back, they probably won't be happy.

Active Churn

Game Over

Your customer ignored the warning and you've lost them into the abyss, thanks to Passive Churn.

Passive Churn

When cards decline, consumers are reminded that they are still subscribed to a service. If they no longer want that service, they may just simply not update their information.

Start Over

Thank your lucky stars that your customer updated their info, continuing payment. Will that happen again on the next rotation?

Game Over

Your customer is stranded on Debt Collection Planet thanks to Active Churn. Even if they find their way back, they probably won't be happy.

Active Churn

Light Speed Advantage!

We combine adaptive rules-based logic and leverage partnerships with card brands and issuers to repair broken card information and generate higher approval rates.

Hyper-Speed Repairs

Instantly fix failed transactions
Extracts exact decline reasoning

Data Science

Analyzes issuer trends
Monitors consumer behaviors

Rules Engine

Fixes potential declines proactively
Employs machine learning

Oh no! You rolled the dice and lost.

Don't worry, though. First Data offers a better way to do things. Let us show you the way.

Congratulations, you win!

4-10% higher approval rates
Proactively fixed potential declines
Gained real-time data-driven insights
Created a frictionless consumer experience

Now, let's bring this conversation back down to Earth. Contact one of our experts to find out how our Authorization Optimization solution can help give you the competitive advantage you need — and our numbers don't lie.

See how much we can help you grow revenue

Contact an Authorization Optimization expert